This study examines the demand for and supply of financial services
for small entrepreneurs in Northern Thailand. Particular emphasis
is placed on credit technologies deployed by formal and informal
institutions and on determinants of credit access and borrower
transaction costs. The study complements and expands on existing
research into micro-finance by adding a specific regional
dimension. A remarkable situation of <<urban bias in
reverse>> has been detected as far as access to formal
finance is concerned. Conventional access variables (such as
education and the level of household income and assets) do not
explain rural households' access to institutional credit sources,
while these factors turned out to be powerful determinants in
explaning urban households' access to formal finance. This can be
explained by the efforts on the part of the Thai government to
improve access to credit for small rural enterprises. The author
concludes that the neglect of rural finance and the lack of
innovative financial approaches is, to a significant extent, also
the result of political priority-setting and decision-making; it
cannot be attributed to unattractive investment possibilities
alone.
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